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<table border="0" width="100%" cellspacing="0" cellpadding="0" background="images/bg_lines.gif">
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    <td valign="top" rowspan="3"><a name="top"></a><img border="0" src="images/topleft.gif"></td>
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      <img src="images/umbrella.gif" alt="Home" border="0"></a></td>
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          <td ><img src="images/header_logo.gif" width="447" height="43" border="0"></td>
          <td >
            <p align="right">&nbsp;</td>
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    <td valign="bottom"> <p align="left"><a href="/demo.umbrellabank.com" onmouseout="MM_swapImgRestore();" onmouseover="MM_swapImage('started','','images/started_f2.gif',1);" target="_blank"><img name="started" src="images/started.gif" border="0"></a><a href="https://apply.umbrellabank.com/newAccount.do?method=main" onmouseout="MM_swapImgRestore();" onmouseover="MM_swapImage('open_acct','','images/open_acct_f2.gif',1);" target="_top"><img name="open_acct" src="images/open_acct.gif" border="0"></a><a href="self_service.php" onmouseout="MM_swapImgRestore();" onmouseover="MM_swapImage('self_service','','/images/self_service_f2.gif',1);" target="_self"><img name="self_service" src="images/self_service.gif" border="0"></a><a href="contact_us.php" onmouseout="MM_swapImgRestore();" onmouseover="MM_swapImage('planning','','images/planning_f2.gif',1);" target="_self"><img name="planning" src="images/planning.gif" border="0"></a><a href="site_map.php" onmouseout="MM_swapImgRestore();" onmouseover="MM_swapImage('sitemap','','images/sitemap_f2.gif',1);" target="_self"><img src="images/sitemap.gif" name="sitemap" width="95" height="25" border="0"></a><a href="faqs/faq_umbrellbank.php" onMouseOut="MM_swapImgRestore()" onMouseOver="MM_swapImage('about_us_2','','images/about_us_2.png',1)"><img src="images/about_us.png" name="about_us_2" width="95" height="25" border="0"></a></td>
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  <tr valign="top"><!-- row 1 -->
   <td><a href="https://cib.ibanking-services.com/cib/login.jsp?FIORG=290&FIFID=262090780" onMouseOut="MM_swapImgRestore();" onMouseOver="MM_swapImage('login','','images/login_f2.gif',1);"><img name="login" src="images/login.gif" border="0" width="152" height="39"></a></td>
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          <td>&nbsp;</td>
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      <div align="left"><a href="#" onMouseOut="MM_swapImgRestore()" onMouseOver="MM_swapImage('rate_alert','','images/rate_alert_f2.png',1)"><img src="images/rate_alert.png" name="rate_alert" width="152" height="26" border="0"></a> 
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            <td colspan="2" align="left" valign="top" bgcolor="#ffffff" class="copy"> 
              <table width="127" border="1" align="center" cellpadding="3" cellspacing="0" class="copy">
                <tr> 
                  <td align="center" class="copy"> <form action="https://www.newsouthfederal.com/cgi-bin/dada/mail.cgi" method=POST class="copy">
                      <table border="0" align="center" cellpadding="2" cellspacing="0" class="copy">
                        <tr valign="baseline"> 
                          <td align="left"><strong><font color="#000000" size="-2"> Sign
                                up for our free &quot;Rate Alert&quot; service,
                          and we'll notify you by email about special rates. </font></strong></td>
                        </tr>
                        <tr valign="baseline" class="copy"> 
                          <td><font size="-2"> 
                            Email:
                            <input name="email" type="text" id="email" size="16">
                            </font></td>
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                        <tr valign="baseline" class="copy"> 
                          <td valign="baseline"> <table border="0" cellpadding="0" cellspacing="2" class="copy">
                              <tr> 
                                <td width="91" class="copy"><font size="-2">                                  
                                  <input type="radio" name="flavor" value="subscribe" checked>
                                  Subscribe</font></td>
                              </tr>
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                                <td class="copy"><font size="-2">                                  
                                  <input type="radio" name="flavor" value="unsubscribe">
                                  Unsubscribe</font></td>
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                        <tr valign="baseline" class="copy"> 
                          <td><input name="submit2" type="submit" value="Submit"> 
                            <input name="list" type="hidden" id="list" value="ubratealrt"> 
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    <td width="100%" valign="top"><table border="0" width="100%" cellspacing="0" cellpadding="0">
        <tr> 
          <td rowspan="2" valign="top"> <table width="100%" height="503" border=0 cellPadding=0 cellSpacing=0>
              <tbody>
                <tr align="center"> 
                  <td height=21 colSpan=5 vAlign=top><strong><a href="/promotions/per_billpay_how.php"><img src="/banners/banners/bill/billpay1.gif" width="468" height="60" border="0"></a></strong></td>
                </tr>
                <tr> 
                  <td vAlign=top colSpan=5 height=15> <font size="1"><br>
                    </font> </td>
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                  <td valign="top"><div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td valign="top" bgcolor="#522894"><img name="top_leftcurve" src="/images/top_leftcurve.gif" border="0" width="23" height="35"></td>
                            <td width="100%" bgcolor="#522894"> <p align="center"><b><font color="#FFFFFF" size="2">Access 
                                in a flash</font></b> </td>
                            <td align="right" valign="top" bgcolor="#522894"><img name="top_rightcurve" src="/images/top_rightcurve.gif" border="0" width="23" height="35"></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    <div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td width="3" bgcolor="#522894"><img name="left_bar" src="/images/left_bar.gif" border="0" width="3" height="100"></td>
                            <td width="100%" valign="middle"><p align="center"><a href="per_accounts/per_checking.php"> 
                                <img src="/images/thunder_bolt_main_sm.gif" alt="Checking Accounts" width="180" height="58" border="0"></a></td>
                            <td width="3" align="right" bgcolor="#522894"><img name="right_bar" src="/images/right_bar.gif" border="0" width="3" height="100"></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    <div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td width="23" rowspan="2" valign="bottom"><img name="bottom_leftcurve" src="/images/bottom_leftcurve.gif" border="0" width="23" height="25"></td>
                            <td valign="middle" height="22"><p align="center"><b><font size="1"><a href="per_accounts/per_checking.php"> 
                                <font color="#522894">more info</font></a></font></b></td>
                            <td width="23" align="right" rowspan="2" valign="bottom"><img name="bottom_rightcurve" src="/images/bottom_rightcurve.gif" border="0" width="23" height="25"></td>
                          </tr>
                          <tr> 
                            <td valign="bottom" height="3" bgcolor="#522894" width="100%"><b><a href="javascript:openplatinumWindow();"><font size="1"><img border="0" src="/images/5x5blank.gif" width="5" height="3"></font></a></b></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    &nbsp; </td>
                  <td valign="top">&nbsp;&nbsp;</td>
                  <td valign="top" ><div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td bgcolor="#522894" valign="top"><img name="top_leftcurve" src="/images/top_leftcurve.gif" border="0" width="23" height="35"></td>
                            <td bgcolor="#522894"> <p align="center"><b><font size="2" color="#FFFFFF">Saving 
                                for a rainy day?</font> </b></td>
                            <td align="right" bgcolor="#522894" valign="top"><img name="top_rightcurve" src="/images/top_rightcurve.gif" border="0" width="23" height="35"></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    <div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td width="3" bgcolor="#522894"><img name="left_bar" src="/images/left_bar.gif" border="0" width="3" height="100"></td>
                            <td width="100%" valign="middle"><p align="center"><a href="per_accounts/per_savings.php"> 
                                <img src="/images/raininy%20day_sm.gif" alt="Savings Accounts" width="180" height="54" border="0"></a></td>
                            <td width="3" align="right" bgcolor="#522894"><img name="right_bar" src="/images/right_bar.gif" border="0" width="3" height="100"></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    <div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td width="23" rowspan="2" valign="bottom"><img name="bottom_leftcurve" src="/images/bottom_leftcurve.gif" border="0" width="23" height="25"></td>
                            <td valign="middle" height="22"><p align="center"><b><font size="1"><a href="per_accounts/per_savings.php"> 
                                <font color="#522894">more info</font></a></font></b></td>
                            <td width="23" align="right" rowspan="2" valign="bottom"><img name="bottom_rightcurve" src="/images/bottom_rightcurve.gif" border="0" width="23" height="25"></td>
                          </tr>
                          <tr> 
                            <td valign="bottom" height="3" bgcolor="#522894" width="100%"><b><a href="javascript:openplatinumWindow();"><font size="1"><img border="0" src="/images/5x5blank.gif" width="5" height="3"></font></a></b></td>
                          </tr>
                        </table>
                      </center>
                    </div></td>
                </tr>
                <tr> 
                  <td valign="top" >&nbsp; <div align="center"> 
                      <table border="0" width="100%" cellspacing="0" cellpadding="0">
                        <tr> 
                          <td bgcolor="#522894" valign="top"><img name="top_leftcurve" src="/images/top_leftcurve.gif" border="0" width="23" height="35"></td>
                          <td bgcolor="#522894"> <p align="center"><b><font size="2" color="#FFFFFF">Earn 
                              a premium rate of interest </font></b></td>
                          <td align="right" bgcolor="#522894" valign="top"><img name="top_rightcurve" src="/images/top_rightcurve.gif" border="0" width="23" height="35"></td>
                        </tr>
                      </table>
                    </div>
                    <div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td width="3" bgcolor="#522894"><img name="left_bar" src="/images/left_bar.gif" border="0" width="3" height="100"></td>
                            <td width="100%" valign="middle"><p align="center"><a href="per_accounts/per_money_market.php"> 
                                <img src="/images/pot_o_gold_sm.gif" alt="Money Market" width="180" height="45" border="0"></a></td>
                            <td width="3" align="right" bgcolor="#522894"><img name="right_bar" src="/images/right_bar.gif" border="0" width="3" height="100"></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    <div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td width="23" rowspan="2" valign="bottom"><img name="bottom_leftcurve" src="/images/bottom_leftcurve.gif" border="0" width="23" height="25"></td>
                            <td valign="middle" height="22"><p align="center"><b><font size="1"><a href="per_accounts/per_money_market.php"> 
                                <font color="#522894">more info</font></a></font></b></td>
                            <td width="23" align="right" rowspan="2" valign="bottom"><img name="bottom_rightcurve" src="/images/bottom_rightcurve.gif" border="0" width="23" height="25"></td>
                          </tr>
                          <tr> 
                            <td valign="bottom" height="3" bgcolor="#522894" width="100%"><b><a href="javascript:openplatinumWindow();"><font size="1"><img border="0" src="/images/5x5blank.gif" width="5" height="3"></font></a></b></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    <p> 
                    <center>
                      <p></p>
                    </center></td>
                  <td valign="top" >&nbsp;</td>
                  <td valign="top" >&nbsp; <div align="center"> 
                      <table border="0" width="100%" cellspacing="0" cellpadding="0">
                        <tr> 
                          <td bgcolor="#522894" valign="top"><img name="top_leftcurve" src="/images/top_leftcurve.gif" border="0" width="23" height="35"></td>
                          <td bgcolor="#522894"><p align="center"><b> <font size="2" color="#FFFFFF">Good 
                              weather under the umbrella</font> </b></td>
                          <td align="right" bgcolor="#522894" valign="top"><img name="top_rightcurve" src="/images/top_rightcurve.gif" border="0" width="23" height="35"></td>
                        </tr>
                      </table>
                    </div>
                    <div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td width="3" bgcolor="#522894"><img name="left_bar" src="/images/left_bar.gif" border="0" width="3" height="100"></td>
                            <td width="100%" valign="middle"><p align="center"><a href="per_accounts/per_cds.php"><img src="/images/cds_sm.gif" alt="CD Accounts" width="180" height="44" border="0"></a></td>
                            <td width="3" align="right" bgcolor="#522894"><img name="right_bar" src="/images/right_bar.gif" border="0" width="3" height="100"></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    <div align="center"> 
                      <center>
                        <table border="0" width="100%" cellspacing="0" cellpadding="0">
                          <tr> 
                            <td width="23" rowspan="2" valign="bottom"><img name="bottom_leftcurve" src="/images/bottom_leftcurve.gif" border="0" width="23" height="25"></td>
                            <td valign="middle" height="22"><p align="center"><b><font size="1"><a href="per_accounts/per_cds.php"> 
                                <font color="#522894">more info</font></a></font></b></td>
                            <td width="23" align="right" rowspan="2" valign="bottom"><img name="bottom_rightcurve" src="/images/bottom_rightcurve.gif" border="0" width="23" height="25"></td>
                          </tr>
                          <tr> 
                            <td valign="bottom" height="3" bgcolor="#522894" width="100%"><b><a href="javascript:openplatinumWindow();"><font size="1"><img border="0" src="/images/5x5blank.gif" width="5" height="3"></font></a></b></td>
                          </tr>
                        </table>
                      </center>
                    </div>
                    <p>&nbsp;</td>
                </tr>
                <tr> 
                  <td colSpan=4 vAlign=top><p><font size="1"><img height=8
src="images/5x5purple.gif" width="100%" border=0
></font></p>
                    <p><font size="1">The FDIC has announced that certain retirement 
                      accounts will be insured up to $250,000 from $100,000 previously. 
                      [<a href="retirement/specialApril06.pdf">learn more</a>]</font> 
                    </p>
                    <p><img height=8
src="images/5x5purple.gif" width="100%" border=0
></p></td>
                </tr>
                <!-- home equity card
                        <tr>
                          <td vAlign=top height=50><p><font face=Verdana, Arial, Helvetica, sans-serif size=2><span
style="mso-bidi-font-size: 12.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: Times New Roman; mso-bidi-font-family: Times New Roman; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><a
href="mortgage/home_equity.asp" ><img height=25
src="images/home_head.gif" width=130 border=0
><br>
                              <img
height=71 src="images/home_card_sm.jpg"
width=108 border=0
></a></span></font></p></td>
                          <td vAlign=top colSpan=2 height=50><font face=Verdana, Arial, Helvetica, sans-serif size="2"><b style="mso-bidi-font-weight: normal"><i><span
style="mso-bidi-font-size: 12.0pt">&nbsp;</span></i></b><b><i>Take advantage of your
                            biggest financial&nbsp;asset</i> </b>- the equity
                            in your home.&nbsp; The UmbrellaBank&nbsp;Home Equity
                            Line of Credit features traditional checks and a HELOC
                            Debit Card - use it as a credit card - use it for
                            cash - for everything you need!</font></td>
                        </tr> 
						end home equity card-->
              </tbody>
            </table>
            &nbsp; </td>
          <td valign="top" align="right"></td>
        </tr>
        <tr> 
          <td valign="top" align="right"><table border="0" width="50" cellpadding="3" cellspacing="0">
              <tr> 
                <td width="307"> <table border="0" width="180" cellpadding="0" cellspacing="0">
                      <td> <img src="images/tagline2.gif" alt="" name="tagline2" width="140" height="105" hspace="7" border="0"></td>
                      <td width="174">&nbsp;</td>
                    </tr>
                    <tr> 
                      <td> <div align="right"> 
                          <table bgcolor="#F7F7F7">
                            <tr> 
                              <td width="157" align="center"> <table width="100%" border="0
						  " cellspacing="0" cellpadding="0">
                                  <tr> 
                                    <td><div align="center"><font color="#663399" size="5"><strong><img border="0" src="images/feature_grad.gif" width="181" height="20"></strong></font></div></td>
                                  </tr>
                                </table></td>
                            </tr>
                            <tr> 
                              <td><div align="center"> 
                                  <table width="100%" border="0" cellspacing="0" cellpadding="0">
                                    <tr> 
                                      <td><div align="center"><font color="#663399" size="5"><strong>4.75%</strong></font><font color="#663399" size="2"><strong> 
                                          APY</strong></font></div></td>
                                    </tr>
                                    <tr> 
                                      <td><div align="center"> 
                                          <p><font color="#663399" size="2"><strong><a href="per_accounts/per_money_market.php">Pot 
                                            O' Gold<br>
                                            Money Market</a><br>
                                            <img src="images/mm.gif" width="50" height="42" vspace="5"> 
                                            </strong></font></p>
                                          <hr>
                                        </div></td>
                                    </tr>
                                  </table>
                                  </div></td>
                            </tr>
                            <tr> 
                              <td><div align="center"><font color="#663399" size="5"><strong>5.35%</strong></font> 
                                  <strong><font color="#663399" size="2">APY</font></strong></div></td>
                            </tr>
                            <tr> 
                              <td><div align="center"><font color="#663399" size="2"><strong><a href="per_accounts/per_cds.php">1 
                                  Year CD</a></strong></font> <br>
                                  <img src="images/cd.gif" width="50" height="50"> 
                                  <hr>
                                </div></td>
                            </tr>
                            <tr> 
                              <td align="center">&nbsp;</td>
                            </tr>
                            <tr> 
                              <td align="center"> <table width="100%" border="0" cellspacing="0" cellpadding="0">
                                  <tr> 
                                    <td><div align="center"><font color="#663399" size="5"><strong>2.00%</strong></font><font color="#663399" size="2"><strong> 
                                        APY</strong></font></div></td>
                                  </tr>
                                  <tr> 
                                    <td><div align="center"><strong><font color="#663399" size="2"><a href="per_accounts/per_checking.php">Preferred 
                                        Interest Checking</a></font></strong></div></td>
                                  </tr>
                                  <tr> 
                                    <td><div align="center"><font color="#663399" size="1">($5,000 
                                        Minimum)</font> <br>
                                        <img src="images/thunder_bolt.gif" width="50" height="50"> 
                                        <hr>
                                      </div></td>
                                  </tr>
                                </table></td>
                            </tr>
                            <tr> 
                              <td align="center">&nbsp;</td>
                            </tr>
                          </table>
                        </div></td>
                    </tr>
                  </table>
                  <p align="center"></td>
              </tr>
            </table></td>
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    <td width="33%"><table border="0" cellspacing="0" cellpadding="3" width="100%">
        <tr>
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            <p align="center"><b><font size="2" color="#522894"><a href="/privacy_security.php"> 
              <font color="#522894">Privacy and Information Security</font></a>&nbsp; 
              |&nbsp; <a href="/disclosures/disclosures.php"> <font color="#522894">Legal 
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        <tr>
          <td><p align="center"> <a target="_blank" href="/www2.fdic.gov/idasp/externalConfirmation.asp?inCert1=32276"><img border="0" src="/images/fdic.gif" width="58" height="35"></a><img border="0" src="/images/equalhousing.gif" width="77" height="31"><br>
            <font size="1">&#169;2005 UmbrellaBank.com - a division of <a href="/www.newsouthfederal.com/">New South Federal Savings Bank</a>
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